Property Ownshttp://www.propertyowns.com
Everything you need to know about property ownershipSat, 29 Sep 2018 11:52:29 +0000en-UShourly1https://wordpress.org/?v=4.9.8Spring Cleaning Checklist Room by Roomhttp://www.propertyowns.com/spring-cleaning-checklist-room-by-room/
Mon, 23 Jul 2018 13:06:39 +0000http://www.propertyowns.com/?p=4140Get help with your spring cleaning with this room by room checklist. This printable spring cleaning checklist will help you get your home clean and fresh.

Spring begins March 20th. Are you ready? You don’t have to do it all at once. Do one room a day until it’s completed. If you work full-time you can assign a weekend to get it all done. If you have kids, dole out some tasks to them to help you get the whole house done. They should be helping with the spring cleaning, and with this checklist it is easy to delegate tasks. Let’s start with the kitchen.

Mabel’s Labels are customizable labels you can order online. They are specifically made for labeling certain items. Get shoe labels, clothing labels, iron on labels, bag tags, sticky labels, waterproof labels, allergy labels, and baby labels.

Make Your Rooms Smell Great with Aircraft Infused Scentsticks

These Scentsticks emit fragrance in any room without liquids, flames or plugs. They are made of natural fibers, come in a recyclable package, and are biodegradable.

Print this spring cleaning checklist out to help you stay on track. All homes are different so you may find things that need to be cleaned that are not on this list. That’s okay; just keep making progress until it is all done. This is a great time to get rid of things you no longer need. Donate your unneeded items to charity and have a yard sale.

]]>Rubbish Removal Services – The Cheaper Alternative to Skip Hirehttp://www.propertyowns.com/rubbish-removal-services-the-cheaper-alternative-to-skip-hire/
Thu, 12 Jul 2018 09:15:28 +0000http://www.propertyowns.com/?p=4135There was a time when skip hire was the most popular and cost-effective method for disposing of large quantities of rubbish, either from a building site or residential property. The reason why it was so popular was it was effective at moving large volumes of rubbish but as efficient as it may have been, it did have some limitations. This is why you should consider an alternative to skip hire, in the form of wait and load rubbish removal.

There are certain limitations in terms of size when it comes to hiring skips. You have to pick a skip that is between 2 and 16 cubic ounces. There is no clear guidelines, leaving it completely up to you to determine the right skip you will need for the amount of rubbish toy need to generate regularly.

What happens when your rubbish amount tips over 16 cubic ounces? This is why you should seriously consider the wait and load rubbish removal service instead. There are no size limitations and you can just load up all the rubbish you generate without any worry.

Not Restricted By Type Of Rubbish

Nowadays, it seems there is a list as long as two arms worth of restricted items that can’t be disposed by a hired skip service. Whether it is the understandable things like asbestos and solvents such as varnishes and glues; or electrical goods like microwaves and fridges. These are all considered hazardous by skip hire companies. With wait and load rubbish removal services there are no restrictions like these.

All items that are collected by this kind of service are disposed of in an ecologically friendly way and anything that can be recycled, generally is taken to a recycling plant.

Gets To Places Skips Can’t

One of the biggest limitations that comes with skip hire services is their coverage. If, for instance, a location does not fall into the general route of the pick-up trucks or is too far away; you might not be able to avail yourself of the service. You may have to navigate and transport your rubbish to a collection point that does fall in their routes. Failing that, you could opt for the wait and load rubbish service, where they are able to collect rubbish from virtually anywhere.

Although you may have planned to hire a skip for the collection of your rubbish, because it is generally the done thing; we hope we have been able to show you clearly that there is an alternative. Wait and load rubbish services could also save you a lot of money, as you are not potentially renting a container that is too big or too small for your rubbish.

If you want to get rid of rubbish from your property, whether it is a commercial business premises or your home, give more thought to rubbish collection services than hiring a skip.

]]>Villa Lante – Property at Bagnaia, Laziohttp://www.propertyowns.com/villa-lante-property-at-bagnaia-lazio/
Sat, 14 Jan 2017 11:27:02 +0000http://www.propertyowns.com/?p=4087This garden lies in the town of Bagnaia, Lazio. It is one of the best remaining examples of a Renaissance garden in Italy and dates from the 1560s.

Travelling to Villa Lante

Bagnaia is a small town, tucked away in the hills. However, the roads are reasonable and it is a very scenic drive. From Rome, travelling north on the E35, Viterbo is the nearest large town that is clearly signed. Don’t expect many tourist signs – this garden, considering its historic significance and reputation, is seemingly not as well-known or publicised in Italy. (Visit www.fasano-italy.co.uk for travel tips in Italy).

On arrival, there are no huge car parks, gift shops or cafes affiliated with the gardens. It is possible to park a small distance away or to park on the street (abandon the car, Italian-style). A small gift shop in a side street is the only sign of commercialisation. Tickets can be purchased from a booth in the walls and are surprisingly cheap, just 2 euros (2008) which compares incredibly favourably with prices in the UK where entrance to a garden of similar status would cost at least £8. In late April, it was quiet although in Summer it probably attracts more visitors.

History of Villa Lante

Renaissance gardens were designed as statements of power and wealth. They are more important than the houses of the time and dominate the landscape. Villa Lante’s formal terraces rise up from the town which was redesigned during the same period but which still has a very medieval feel to it. The garden originated as a medieval hunting park but was added to by successive cardinals in the 15th century. Cardinal Gambara owned the Villa in the Renaissance and is thought to have commissioned Vignola to design the garden in the middle of the 16th century. The garden has not changed significantly since this time and, understandably, is beginning to show its age.

Features of the Renaissance Garden at Villa Lante

The movement of water and the play of light more than compensate for the lack of flower colour typical of the Renaissance garden. Classical statuary abounds, emulating the Roman gardens that were re-discovered and plundered during this period.There are several terraces. The lower terrace is filled with ornately clipped box hedging around a central water feature with stone boats. The top terrace has a famous fountain depicting the river gods.

Below this is a terrace with a long trough whose primary function was to act as a wine cooler during festivities. Water is a key element in the Renaissance Garden and Villa Lante is no exception. Considering that the fountains are all gravity-fed, the detail and amount of water is amazing. That most still work is even more so. On one terrace are the remains of a ‘play area’ where the water would surprise guests by squirting out from between the paving.

For garden historians, the frescoes in the entrance building depicting other villas that the family owned are fascinating. Apparently one of the 20th century owners of the villa used this building to store his collection of vintage cars… sacrilege!

Renaissance Gardens to Visit in Lazio and Tuscany

There are three key Renaissance gardens in the same area. Visiting Villa Lante and the Parco dei Mostri (Sacro Bosco) at Bomarzo is possible in the same day and will give enough time at each. Italian garden tours that offer coach trips to take in Villa Lante, Villa Farnese and Parco dei Mostri are also available. For a complete contrast to the formality of the Renaissance, the Tarot Garden in Capalbio created by the artist, Niki de Saint Phalle is also worth visiting and is possible in the same day.

Villa Lante should be more popular as a destination. To preserve the garden, restoration and maintenance are constantly needed. Italy has so much cultural heritage that a garden like this is vying for attention with many other historic sites. Although these Renaissance gardens are unique, they perhaps receive less attention than the Roman antiquities across Italy. Please visit and spread the word about this gem of a garden.

]]>How to Lay Ceramic Tile in the Showerhttp://www.propertyowns.com/how-to-lay-ceramic-tile-in-the-shower/
Wed, 16 Nov 2016 14:29:41 +0000http://www.propertyowns.com/?p=4081Laying ceramic tiles over a shower floor is similar to the process of tiling any other floor, except for the issue of the shower drain. Since you’ll have to cut the tiles around the drain, you won’t be able to use a standard score-and-snap tile cutter, since they only cut straight lines. Instead, you’ll need to rent a tile saw capable of cutting curves and lay out the tile carefully in advance so you know where all the cuts have to be.

Step 1
Divide the shower floor into four square sections, drawing two intersecting lines with your level and pencil.
Step 2
Set floor tiles along the lines without mortar, covering the entire shower floor. At the drain, lay tiles over it as if it’s not there. Take up all the tiles except the ones over the drain.
Step 3
Lay thinset mortar over the floor, except in the area immediately around the drain where the tiles are still covering it. Set floor tiles in the mortar, starting along the lines that you drew and building out in a grid pattern. Put tile spacers between them. Cut the tiles along the edges of the shower walls as necessary using a tile saw.
Step 4
Mark out the shape of the drain on the surface of the tiles that are still over the drain, assessing its position through the spaces between the tiles. Expand the perimeter of the drain by 1/4-inch all around when you mark it, ensuring space between the tiles and the drain.
Step 5
Use the tile saw to cut the marks on the tiles. Set the cut tiles in mortar around the drain. Let them set overnight.
Step 6
Remove all the spacers from the floor. Spread grout over the floor with a trowel, forcing the grout into the spaces. Wipe up the excess grout with a damp sponge, let it set for 4-6 days.

]]>Moving Abroad? How to Adjust to Expat Lifehttp://www.propertyowns.com/moving-abroad-how-to-adjust-to-expat-life/
Sat, 15 Oct 2016 10:48:49 +0000http://www.propertyowns.com/?p=4073Making friends outside the expat community is a good way to learn about the new culture, and according to experts, it may improve cross-cultural adjustment as well, says Jim Merril, a real estate agent who sells apartments in the Costa Blanca resort of Javea.

Living overseas can sometimes be difficult, especially if the host culture is dramatically different from the way things are “back home.” Many new expatriate spouses feel overwhelmed and disoriented by the shock of a novel cultural environment. Some respond by clinging to the familiar: they make a point of socializing only with other expats, and maintain minimal contact with the outside world. Others rise to the challenge of living fully in the unknown culture, embracing the uniqueness of the land and its citizens.

When one’s world feels topsy-turvy, it’s easy to slip into the welcoming arms of the expat community. There’s nothing wrong with building a support network of like-minded people; after all, no-one will ever understand an expat’s life like another expatriate. However, wrapping oneself in an expat cocoon won’t do much to smooth the adjustment process: it’s hard to relax with an “us versus them” mindset about the local population. The results of a 1998 study suggest that social interactions with members of the host culture play a big part in “increasing understanding and satisfaction with living in a foreign culture.”

Adjusting to Life Abroad

Adjustment can be broadly defined as having a sense of ease in an unfamiliar environment. There are two dimensions:

Psychological adjustment is internally oriented ­­– it’s a feeling of well-being or satisfaction. An expat who has adjusted psychologically has discarded some features of the original culture and replaced them with new ways of living in the host society.
Sociocultural adjustment is externally oriented, and relates to how well one functions in the unfamiliar community. An expat who has adjusted socioculturally is easily able to manage the various nuances of daily life in the host culture.
While it’s possible to adjust along just one of these dimensions, the ideal is to achieve both. The successful expatriate is one who feels self-confident and happy, has achieved a certain amount of cross-cultural awareness, and is adept at navigating the uncertainties of expat life.

Expat Life — Better with Local Friends

The majority of expats arrive with the hope of settling in and feeling comfortable in their new home. Assimilation — the process of shedding the original culture and assuming a new one — is generally not the goal of expats on a two- to five-year assignment. A more beneficial approach is to maintain the original culture while adopting many useful aspects of the host culture.

Adjustment doesn’t happen overnight; it takes a fair amount of time and effort before most expatriates feel truly at ease. Widening one’s social circle to include non-expats is valuable on a practical level: local friends can serve as “cultural informants” to explain ins and outs of the new environment. Plus, as Swedish researcher Ingemar Torbiorn and others have discovered, they’re “an important determinant of satisfaction” in the host culture.

Where Expatriates Can Meet Local People

The level of difficulty involved in meeting the locals depends on the rigidity of the host culture. In extremely hierarchical countries where social roles are strictly defined, meaningful encounters with local people are likely to be limited. Language also plays a big role; it’s obviously much more challenging (although not impossible!) to communicate without a common language.

Here are several general suggestions on where to find friends:

Expats with children have a natural advantage; they can strike up a conversation with other parents at school, sporting activities, and social events.
Many cities have networking groups for professional women – embassies or local newspapers often have information regarding meetings.
Taking a course — in music, pottery, even the local language — throws expats together with people who share their interests.
Volunteering or becoming a member of a local organization (outside the framework of the international associations) is a rewarding way to meet new people.
Expats who don’t live in predominantly expatriate areas can chat with their neighbours.
Taking up a sport is good for body and soul, and athletic clubs often organize social activities for their members.
Getting a job — if allowed under the terms of one’s visa — is a sure-fire way to achieve immersion in the host culture.
In areas with a high concentration of expatriates, a little more effort may be required to make friends. The locals have seen expats come and go, and many aren’t prepared to put the effort into building a relationship with someone who may be moving on in a couple of years. However, even chatting with a street vendor or discussing politics with a taxi driver will brighten any expat’s day – and may even ease their adjustment to the new culture.

]]>Purchasing a Quality Fireplacehttp://www.propertyowns.com/purchasing-a-quality-fireplace/
Mon, 07 Sep 2015 10:28:19 +0000http://www.propertyowns.com/?p=4055Buying a fireplace can be arduous experience, as many different factors must be deliberated upon prior to choosing a fireplace to purchase. The below tips strive to assist you in purchasing a quality fireplace that meets your needs and fits in with your budget.

Pre-Purchase Considerations

Purchasing a fireplace can be a bit complicated. You can’t just pick one and have it installed. It’s a purchase you really have to think about before you do it as multiple factors are involved in operating the stove and installing it in your home. Some of the biggest questions to ask yourself are:

– What type of fuel will you be using?
– How much heat output do you need?
– How much do you have available for installation costs.

Every fireplace has their own unique pro and cons. The first matter to ponder is whether you will need a fireplace for a newly constructed home or one that already exists. Installing a new fireplace is much easier in a newly constructed home. If you are considering installation into an existing home, your chimney condition must be evaluated. You can choose a vent-free fireplace, though, which requires no chimney. However, this fireplace type often results in moisture build-up and heavier scents emanating from it.

Fuel Types

The type of fuel utilized in a fireplace may be limited by the fashion in which your home is designed, such as in the instance of homes without a chimney. These types of homes are limited to a gas fireplace that vents fumes to an exterior wall. Decorative faux fireplaces equipped with gas fires offer easy installation and can warm and simultaneously enrich a room visually. Additionally, gas is the most cost effective type of energy available. Homes equipped with a chimney have more options, such as fireplaces that burn solid fuel, electric, gel, or wood.

Heat Output

Different types of fireplace and different fuels provide variable levels of the heat they emit, according to Fireplaces 4 Life. Their efficiency level can be greatly influenced when heat escapes from poorly insulated homes, unsuitable windows, or a low quality chimney. If your fireplace is installed in a home without complementary surroundings for efficient fireplace operation, installation is counterproductive, and it will cost more than it saves.

Installation

Fireplace installation is a service conducted by most contractors, which can easily be located by searching for them online or in a local phone book. Be sure to research chosen contractors before actually securing their services. Read online reviews, and ask friends and family for recommendations. Research also helps you find the best deal. You can find out if a contractor is registered adequately online, also.

Cons of Fireplace Installation

One of the cons of being a fireplace owner is that they can actually expel heat from the house at a greater rate than they can supply it to the room in which it resides. Many fireplaces are installed for more of an esthetic reason as opposed to using them for exclusive heating reasons. Gas fireplaces usually provide better lasting heat for your home.

Since fireplaces differ in design and fuel types they have capacity to burn, every fireplace has unique pros and cons, including different emissions levels and overall efficiency. It’s well worth your time to research the fireplace type that will best suit the needs of your home. Carefully consider how much time you are willing invest in maintaining your fireplace.

To get the best prices, don’t be afraid to ask for quotes from multiple brick and mortar and online retailers. Consider that online retailers offer considerably better prices since they can market their products to a considerably wider target audience. With some careful research, you can find a great fireplace that keeps your home toasty and suits the individual needs of your home and all of those who abide within.

]]>How To Create a Luxurious Bedroomhttp://www.propertyowns.com/how-to-create-a-luxurious-bedroom/
Mon, 07 Sep 2015 10:01:57 +0000http://www.propertyowns.com/?p=4052What is it about the beds in fancy hotel suites that makes them so appealing and luxurious? It’s the topper, the high quality mattress, the quality sheets, the soft blankets, all of the pillows, and the decorative dust ruffles. Have you ever wished that you could have your very own hotel suite like bed in your own bedroom? This article written by Cheap Bed Sale will show you how to create one.

Choosing a new mattress can be a difficult decision. Make sure that you take your time. Never settle for the cheapest mattress set available. A good mattress set is an investment and will last you for years to come. Higher quality mattresses are best for people with back problems. Be sure to test the mattress before you buying by actually laying down on it for a few minutes. All mattresses are different. Some are firmer than others.

Protect your new mattress by investing in a mattress cover. Doing so will ensure that your new mattress does not become stained, torn, etc. A mattress cover will keep your clean and safe dust, spills, etc. Say, for example, you are having a glass of wine and it spills. The mattress protector guarantees that your mattress will not be stained, wet, or damaged from the spill.

To make your new bed even more luxurious you can choose to add a mattress topper. Mattress toppers add extra softness and will make your new mattress even more comfortable. Toppers are like pillows that cover the entire bed. There are several different types available, from 100% Egyptian cotton toppersto feather toppers.

Sheets are both essential and decorative. Take your time when purchasing sheets. The cheap ones will not last. Higher quality sheetsare definitely worth paying more for. 100% cotton sateen, percale, batiste, and fine linen sheets are the best. Choose colors and patterns that compliment the colors of your bedroom, and that blend with your décor.

Blankets, throws, bed spreads, and comforters are both decorative and essential, especially during the colder months of the year. Blankets add both style and warmth to your bed. Cashmere blankets are especially luxurious, and especially warm.

Pillows can make a bed look luxurious. Pillows come in all different shapes and sizes. Add several to your new bed to make it look just like a bed you would find in a fancy hotel suite. Pillows aren’t only decorative, but are also useful. People who suffer from ailments such as acid reflux or neck pain can benefit from an assortment of pillows as the pillows can help to make them more comfortable and can help to ease their pain.

As a final touch accessorize your new bed. Decorative shams, a dust ruffle, etc. will add style to not only your new bed but to the entire room. Consider purchasing awhole new bedset. You can go wild with a safari theme, country with a floral theme, or romantic with satin and lace.

]]>In the Home: Hand Dryers Vs. Paper Towel Dispensershttp://www.propertyowns.com/in-the-home-hand-dryers-vs-paper-towel-dispensers/
Mon, 07 Sep 2015 09:51:32 +0000http://www.propertyowns.com/?p=4048When people think about comparing the difference between hand dryers and paper towels, they often think about the effect that they have on the environment. In this case, then hand dryers come out on top because they are the greener solution. However, in terms of how clean they get your hands, the choice may not be so clear cut. In terms of cleanliness, new high speed dryers would seem to be the best choice.

High Speed Dryers Vs. Paper Towels

The levels of bacteria on high speed hand dryers and hand towel cranks were tested in public bathrooms on campus as part of a study by the University of Sussex in 2014. This study showed that when compared with traditional air dryers and the cranks on the paper towel dispenser, high-powered dryers left hands six times cleaner. The reason for this is that these dryers use the speed of the air rather than heat to dry hands, and heat can promote the growth of bacteria.

Traditional Dryers Vs. Paper Towels

In many bathrooms, you will only find a traditional dryer, not a high speed one. In this case you only have the choice between paper towels and a more traditional dryer. Queensland University in Australia conducted a review of all data that had been collected from 1970 on wards, and this review indicated that paper towels were the better option because the friction created from rubbing your hands with paper towels can help to remove bacteria. This study is considered to be one of the most valid that has been carried out on this subject because of all the data that was analysed.

What Should You Do?

You certainly do not want your hands to become covered in bacteria again just after you have washed them, but this can happen depending on the method you choose for drying your hands. You should always go for the high-speed dryers when available because this method does not require you to touch anything and there is no hot air involved. If you only have the choice between an old fashioned dryer and paper towels, then towels will be the best choice, and it is even better if you can avoid using the crank. It is probably best to avoid old fashioned hand dryers altogether and let your hands dry off on their own.

]]>Help With a Home Insurance Claimhttp://www.propertyowns.com/help-with-a-home-insurance-claim/
Mon, 17 Aug 2015 11:53:38 +0000http://www.propertyowns.com/?p=4037Also known as a claim assessor, a assessor of loss is an employee who works, mostly on the part of a loss assessment company , to accurately understand the actual monetary sum of an insurance claim before any, or in some cases prior to the lion’s share , the cash being signed off by the insurance business in fulfilment of the claim.In short, he will advise homeowners or other insured parties and give help with an insurance claim.

Loss assessors are tasked with calculating the true , combined worth of what has been destroyed, and in some cases also set out to decide blame for the lost value. This activity is more often than not designed to reduce the insurance business’s liability to paying out against the insurance policy and also to minimise the risk of a greater amount of funds being paid than is actually due to the claimant , or reduce the chance of situations in which the policyholder ends up markedly better off following the claim, rather than just fully compensated for their loss.

Loss assessors are required to be expert in their area to allow them to know inside and out the full details of the claim in question. For that reason a loss assessor for a given variety of claim would tend to work in one field – a loss assessor on car incidents might just work on car accidents , while a loss assessor specialising in shipping claims would have to be fully on top of the whys and wherefores of nautical law and practice , and loss assessors who work on catastrophic claims must be experienced in giving help to people in extreme circumstances find a roof and the requisite food, clothes and essentials.

]]>Financial Advice for Expats In Spainhttp://www.propertyowns.com/financial-advice-for-expats-in-spain/
Sun, 16 Aug 2015 10:32:00 +0000http://www.propertyowns.com/?p=4031Prior to embarking upon a trip to the sunny bliss of Spain, it would benefit you to develop a list of necessities you must ponder. One of the most important considerations to include in such a list is achieving financial security during your stay in an intelligent and organized manner. Performing such a task will support your move from the very start, creating financial security from the very beginning of the entire span of your stay in Spain.

It’s obvious that you must open a Spanish bank account to purchase a property in Spain. Be sure you have this account funded appropriately to satisfy the costs that will occur immediately when you arrive in Spain to pay your utilities, and any other expenses that may be incurred. Prepare for expenses you don’t anticipate. Be sure to have an extra cushion in your account, just in case. Ask your bank what options they have available with regard to accounts with no fees. Consider, though, that these account types generally require your account’s minimum balance to be at least 700€, which must be funded regularly.

It isn’t necessary to close United Kingdom bank accounts you have open, because maintaining at least a single account can be useful if you visit relatives and friends back in the United Kingdom, or to fund any United Kingdom payments, as interest rates in both countries are very low right now. It would behoove you to maintain a current deposit account in both countries for a significant period of time if for any reason you intend to return to the United Kingdom. Keep your options open just in case.

Do you plan to secure Spanish residency?

Both options assume implications, both to remain a United Kingdom resident or to become a Spanish resident. It’s legally required to become a fiscal, tax paying resident of Spain if you spend over 183 days per year located in Spain. This is the same if you move to mainland Spain or buy a property in the Balearic Islands. However, you are only required to pay taxes in one of the two countries. Keep in mind, though, that the HMRC closely works with Hacienda, which is the Spanish tax office. The two countries collaborate in locating those who don’t declare their assets and income in either of the two countries.

If you plan to remain in Spain, permanently, it’s necessary to notify your local tax office in the United Kingdom that you have moved or plan to move, providing your Spanish address. You should also notify your bank in the United Kingdom of your move, as well as any other financial services you employ. When you are a Spanish resident, opportunities extend to you that are not available for those who are not Spanish residents. For example, you may have certain accounts advantages extended you that are otherwise unavailable.

Whether you become a resident or you don’t, you will be issued a NIE number when you buy a property. This allows telecommunication and utility companies to identify you. They will ask you for this number to begin service. Additionally, this number will be used by banks and other businesses, who will ask you to tell them this number to verify your identity.

On the subject of taxes, those who are not residents of Spain are required to provide an income tax declaration in Spain. This is required even if no income is declared. A gestor can provide the service of declaring your income or lack thereof for you. If you rent a property, it’s required that you pay taxes on any earnings you acquire from the rental, either in Spain or in the United Kingdom. You will additionally be responsible for the local taxes that must be covered yearly in Spain as an owner of a Spanish property. Be certain that you have adequate funds in your Spanish account to make these required payments, because they will be directly removed from your account, whether you are located in Spain at that time or you are located elsewhere.

One of the most effective methods of making these payments, is to arrive at a regular payment plan, using a currency exchange company. A good example of a company of this type is Smart Currency Exchange, which will generally charge a small fee or no fee at all for dispatching a fixed amount with regularity to Spain. You even have the option of safeguarding this amount dispatched with regularity from exchange rate fluctuations when you employ a forward contract. Contacting a company of this type is a smart choice. They can provide you with further details and discuss your unique circumstances with you.

As a Spanish resident, using a currency exchange company is also smart. An obstacle encountered by all is the fluctuation in currency values. Presently, the pound is going strong against the Euro, but methods are available to reduce issues if the Sterling’s value maintains a dropping trend. A currency expert company will provide you with the most current and desirable advice on how to obtain this result. It’s smart to establish an account with a company of this time well in advance before you arrive in Spain.

Foreign residents and those of Spain are required to make a declaration of their global assets to the tax authorities in Spain. Once this has been accomplished, it’s only necessary to repeat the process if your assets elevate by an excess of over 20,000€ per year. Though this sounds like an abundance of money, due to the Sterling being so high at this time, the value will quickly climb when calculation occurs from pounds to the Euro. Additionally, you will need to perform a yearly income tax return. Be mindful that your pension, if you have one, is considered as income in Spain, and is not exempt from tax. However, your tax payment depends on your total income level.

Have you considered insurance?

It’s necessary to cancel the majority of United Kingdom arrangements you have established with regard to insurance, and enter into new policies for Spain. Legally, it’s required that you insure your Spanish property. You can insure your contents optionally, which is advisable and smart, but it’s at your discretion. Car insurance is a legal requirement, additionally. However, if your vehicle is relatively new, or you are going to purchase a vehicle in Spain, a comprehensive policy is a desirable choice.

You also need to consider medical insurance. When employed in Spain, a payment is required on a monthly basis that lets you take full advantage of the Sistema Nacional de Salud (SNS), which is the Spanish National Health System. Those who live off a pension as a Spanish resident are covered under the SNS, but health care is free for them. However, a small payment is necessary to cover medication costs. Unemployed Spanish residents and non-residents, who are not at the age where they are able to receive a pension, are required to pay for their own health care needs, or they will need to open a medical insurance policy to pay for their costs incurred for medical needs.